This position serves as a first line Business Risk Group (BRG) advisor embedded within the business. Responsible for identifying, assessing, and mitigating Commercial Finance risks that could impact Pathward’s strategic, operational, financial, or reputational standing. The individual collaborates extensively with the business underwriting, portfolio, and credit administration teams and second line stakeholders, to align business activities with regulatory expectations and sound risk management practices.
Full Job Posting
About the Role:
This position serves as a first line Business Risk Group (BRG) advisor embedded within the business. Responsible for identifying, assessing, and mitigating Commercial Finance risks that could impact Pathward’s strategic, operational, financial, or reputational standing. The individual collaborates extensively with the business underwriting, portfolio, and credit administration teams and second line stakeholders, to align business activities with regulatory expectations and sound risk management practices.
What You Will Do:
Serves as the primary Commercial Finance regulatory advisor to business units, ensuring compliance with applicable laws, regulations, and internal policies.
Monitors the bank’s overall credit risk profile in relation to Board approved Risk Appetite.
Develops strong credit culture within the entire bank.
Provides a credible challenge to lending decisions across the lifecycle of lending activities including problem loan administration activities, underwriting strategies, appropriateness of risk ratings and nonaccrual status, and collateral valuations.
Develops and provides training to first line of defense staff on credit related topics.
Administers and participates in credit-related committees and working groups.
Advises leadership on risk-related decisions.
Monitors regulatory changes and ensuring compliance.
Prepares risk reports and presenting findings to stakeholders.
Leverages data analytics and technology for predictive risk modeling.
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Bachelor's degree in Finance, Business, Economics, or a related field or equivalent education and work
Master’s degree preferred.
12+ years of experience in regulatory compliance, lending, loan review, or risk management roles, preferably within banking or financial services.
12+ years of experience in commercial credit experience, including alternative energy, working capital, asset based lending, equipment finance, leasing and government guaranteed lending, with a strong understanding of relevant regulatory frameworks.
In-depth knowledge of credit program design, regulatory requirements, and risk management
Expertise in interpreting and applying regulations, including regulatory risk rating criteria and risk management best practices.
Strong analytical and data interpretation skills to assess the impact of regulatory changes on credit products.
Excellent communication and collaboration skills to engage with diverse
A proactive, solutions-oriented mindset, with the ability to anticipate regulatory and market changes and design credit programs accordingly.
Strong critical thinker with problem-solving skills and the ability to manage complex challenges with a risk-aware approach.
Ability to work independently while managing multiple, competing priorities in a fast-paced
The responsibilities listed above are not all inclusive and may be changed at any time.
Salary range: $104,000– $174,000
The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future. This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.
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Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.
Who we are:
Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.
We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.
Please click here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing – careers@pathward.com
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Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.
Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.
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About Pathward, N.A.
Financial Services
Pathward is a national bank focused on financial inclusion, partnering with fintechs, program managers, and government agencies to deliver innovative banking and payment solutions to underserved markets.
